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Consolidated Statements Of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest income        
Loans, including fees $ 10,415 $ 10,129 $ 30,692 $ 30,163
Investment securities:        
Taxable 788 834 2,054 2,651
Tax-exempt 590 608 1,830 1,797
Dividends 9 2 18 9
Other 17 35 59 73
Total interest income 11,819 11,608 34,653 34,693
Interest expense        
Deposits 1,889 2,444 5,849 7,315
Federal funds purchased and other short-term borrowings 34 36 91 89
Long-term debt 201 197 565 604
Total interest expense 2,124 2,677 6,505 8,008
Net interest income 9,695 8,931 28,148 26,685
Provision for loan losses 150 650 970 1,150
Net interest income after provision for loan losses 9,545 8,281 27,178 25,535
Noninterest income        
Trust and investment services fees 510 450 1,447 1,263
Income from mutual fund, annuity and insurance sales 74 227 496 658
Service charges on deposit accounts 688 635 1,992 1,879
Income from bank owned life insurance 192 157 543 487
Other income 157 151 503 483
Net gain on sales of loans held for sale 233 293 874 833
Net gain on sales of securities 0 382 44 431
Total noninterest income 1,854 2,295 5,899 6,034
Noninterest expense        
Personnel 4,191 3,806 12,486 11,245
Occupancy of premises, net 496 485 1,519 1,497
Furniture and equipment 538 490 1,543 1,414
Postage, stationery and supplies 131 116 438 384
Professional and legal 187 155 489 464
Marketing and advertising 341 259 741 666
FDIC insurance 154 181 463 589
Debit card processing 204 181 577 536
Charitable donations 32 26 518 507
External data processing 164 149 468 419
Foreclosed real estate including (gains) losses on sales 277 1,498 414 2,302
Impaired loan carrying costs 128 36 243 266
Other 889 812 2,243 2,127
Total noninterest expense 7,732 8,194 22,142 22,416
Income before income taxes 3,667 2,382 10,935 9,153
Provision for income taxes 990 511 2,951 2,213
Net income 2,677 1,871 7,984 6,940
Preferred stock dividends 62 62 187 321
Net income available to common shareholders $ 2,615 $ 1,809 $ 7,797 $ 6,619
Net income per common share, basic $ 0.55 $ 0.39 $ 1.65 $ 1.42
Net income per common share, diluted $ 0.54 $ 0.38 $ 1.62 $ 1.40